Virginia Renters Insurance
Do you rent a spacious 3 bedroom house in Fredericksburg? An upstairs apartment in the Old Town section of Alexandria? Or maybe you're living in off-campus housing in Charlottesville? Wherever you're renting, a Virginia renters insurance policy is an inexpensive way to protect your personal property.
Get a free, no-obligation Virginia renters insurance quote today!
Don't be fooled into thinking your landlord's insurance will cover you if the worst should happen. If your house or apartment is damaged or destroyed, your landlord's policy only covers the structure. The contents, including all of your things, aren't protected.
That's where renters insurance comes in and it's cheaper than you think. The average Virginia renters insurance policy is around $220 a year.
Renters Insurance Has You Covered
A basic Virginia renters insurance policy covers you for 16 known perils including fire, theft, explosion, hail, windstorm, aircraft, vehicles, riot and smoke. If your belongings should be lost or destroyed and if you purchase replacement cost coverage, you're reimbursed their value so you can replace them without any out-of-pocket expenses except your deductible.
Think you don't have much stuff? Take a look around. Would you be able to buy new clothing, replace all of your electronics,
furniture and appliances if disaster struck?
- Personal Property: Policies start with $15,000 worth of personal property coverage and can cover as much as $100,000 in losses. Deductibles range from $250-$2,500.
- Medical Payments: If someone should hurt themselves in your home, you're covered for up to $1,000 per person in medical bills.
- Personal Liability: You're also covered for at least $100,000 in other liabilities and your policy can also help cover legal fees if you're sued.
- Temporary Living Expenses: If your home is damaged and becomes uninhabitable, your policy can help cover temporary living expenses while your house or apartment is repaired.
Get a free, no-obligation quote from Homesite today!
